Quite simply who benefits the most from low interest rates? The government that owes more money than any other entity on earth...The United States government. So why are they going to raise rates and hurt themselves? Oh and when will 16-18 Trillion be paid off? When they have paid 50% of that back is when rates will rise. 6-8 years before a rise of any significance. This has been said since 2009. The prediction then was 2020.